---
title: 'Compliance Controls & Monitoring at OnePay'
canonical: 'https://feeny.ai/job/compliance-controls-monitoring-onepay-united-states-3wgawqpv7ar9'
type: 'job'
last_seen: '2026-11-07'
---

# Compliance Controls & Monitoring at OnePay

- **Company:** OnePay
- **Location:** United States
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-11-06
- **Last confirmed live:** 2026-11-07
- **Apply:** https://jobs.ashbyhq.com/oneapp/8939de20-22e0-49fd-a50f-91ff39c590b6

## Job description

## About OnePay

OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast. We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining. But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

- Ready to run
- Hungry and driven by urgency
- Exceptional at what they do, with low ego
- Comfortable operating in motion

## The Role

Compliance Controls & Monitoring (C&M) is OnePay’s second line of defense, responsible for establishing and overseeing the firm's compliance control environment. Distinct from independent Compliance Testing, C&M identifies and assesses regulatory risks, evaluates controls, and drives compliant product and operational outcomes across the product lifecycle. This role requires an experienced compliance professional who can independently evaluate complex regulatory matters, recommend practical solutions, and execute compliance oversight activities in a fast-paced, evolving financial services environment. What Makes This Role Different: OnePay is a growing company with a broad and evolving product set, and our regulatory landscape evolves alongside it. This role sits at the center of that growth. You'll assess new and changing products, apply regulatory requirements to situations that don't always have clear precedent, and help the business find compliant paths forward. Strong partnerships with Product, Legal, and Operations is a given, and your goal is to bring a clear, well-reasoned compliance perspective to that table. The best fit is someone who is energized by that kind of work: exercising sound judgment on complex questions, communicating risk clearly and constructively, and advocating independently for the right controls. You will:

- Regulatory Advisory & Business Partnership: Build trusted relationships across Product, Operations, Engineering, Marketing, Legal, and Compliance. Independently evaluate business practices and controls against applicable regulatory requirements, provide practical compliance guidance, and confidently challenge potential noncompliance while influencing appropriate corrective actions.
- Compliance Controls: Evaluate compliance control design and adequacy, identify gaps in regulatory coverage, and recommend and drive enhancements. Support control development, risk-to-control mapping, documentation, and maintenance of the centralized compliance control inventory within the firm's GRC platform.
- Compliance Risk Assessment: Execute and maintain compliance risk assessments across products, processes, and regulatory requirements. Evaluate inherent risk, control coverage, and residual risk; recommend appropriate mitigation; and support implementation and ongoing maintenance of compliance risk assessment processes within the firm's GRC platform.
- Execution & Continuous Improvement: Independently manage assigned compliance activities and initiatives through completion while balancing competing priorities and deadlines. Identify opportunities to improve processes, increase efficiency, and enhance operational effectiveness.
- Change Management: Assess regulatory compliance implications of new or modified products, business processes, systems, and operational changes. Partner with stakeholders to evaluate control impacts and support appropriate compliance measures throughout implementation.

You Bring

- Mid Career (5-10 Years) with progressively responsible advisory experience within banking, fintech, or consumer financial services, with strong knowledge of applicable federal and state consumer financial protection laws and regulations.
- Demonstrated ability to independently interpret regulatory requirements, provide credible challenge, and influence decisions across cross-functional stakeholders, including comfort making and defending well-reasoned judgment calls on nuanced questions and evolving regulatory guidance.
- Hands-on experience conducting compliance risk assessments, evaluating control design and effectiveness, and working with risk registers or GRC platforms.
- Strong critical thinking and communication skills, with the ability to explain regulatory risk clearly and constructively to business partners, and to advocate independently for the right controls.
- Proven ability to manage competing priorities and drive work to completion with a high degree of ownership.
- Experience in a fintech, startup, or similarly dynamic financial services environment preferred.
- CRCM, CIA or equivalent certification preferred.

## What We Offer

- Competitive base salary, stock options, and health benefits from Day 1
- 401(k) plan with company match
- Remote-friendly (US), flexible time off (FTO), and opportunities for growth
- A high-growth, mission-driven, inclusive culture where your work has real impact

Standard Interview Process Our process varies by role. Most candidates go through:

- AI-assisted initial screen
- Interview with Talent Partner
- Technical or Hiring Manager Interview
- Team Interview
- Executive Interview
- Offer!

## Equal Employment Opportunity

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.

## About OnePay

## Company Overview
- **One-liner**: OnePay is a financial technology company that provides a mobile banking platform for consumers and embedded financial services for employers, enabling users to send, spend, borrow, build credit, and earn rewards.
- **Entity Type**: Private (Series B; $66M total funding)
- **Headquarters**: New York, New York, United States
- **Founded**: 2019
- **Founders**: Not publicly available (CEO is Omer Ismail)

## Core Business
- **Primary industry**: Financial Technology (Fintech) / Consumer Banking
- **Target customers**: B2C (individual consumers) and B2B (employers, HCM providers, gig platforms) – serves millions of consumers and frontline workers
- **Mission/purpose**: “Making money better in America” – helping people achieve financial progress by consolidating savings, spending, and credit tools into one place.

## Products & Services
- **Banking through OnePay**: High‑yield savings, debit card, and deposit account (partner banks: Coastal Community Bank, Lead Bank, Members FDIC)
- **OnePay Credit Card**: Credit building and rewards card
- **OnePay Wallet**: Digital wallet for payments
- **OnePay Loans (incl. OnePay Later)**: Point‑of‑sale lending and personal instalment loans
- **OnePay Invest / Crypto**: Investment and cryptocurrency offerings
- **OnePay @Work (B2B suite)**: Embedded financial wellness platform for employers – consolidates savings, spending, and credit tools to improve employee stability
- **OnePay Rewards**: Points‑based loyalty program redeemable for cash back

## Market Standing
- **Valuation/Market Cap**: Not disclosed
- **Key Metric**: Total Funding – $66M (Seed $9M in 2019, Series A $17M in 2020, Series B $40M in 2021); ~566 employees (+10% YoY); 4.9★ app rating
- **Notable Investors/Partners**: Ribbit Capital, Walmart (both lead investors). Also acquired Even.com.
- **Growth Signals**: 30.1% LinkedIn follower growth YoY; active in 18 countries; 36 open job postings (up 80% YoY); rebranded from “One” to “OnePay” in March 2025.

## Competitive Advantages
- **Walmart partnership**: Embedded distribution and co‑branded products offer massive consumer reach.
- **All‑in‑one platform**: Combines banking, credit, lending, investing, and crypto – a “financial super app.”
- **B2B embedment**: Direct integration with employers and HCM platforms creates sticky, recurring revenue.
- **Scrappy, execution‑focused culture** that prioritises speed and shipping over bureaucracy.

## Strategic Focus
- **Consumer growth**: Expanding the OnePay Rewards program and deepening Walmart integration.
- **B2B embedded finance**: Scaling the @Work platform to more employers and gig economy partners.
- **Product expansion**: Continually adding lending, credit, and crypto features to increase wallet share.
- **Geographic reach**: Operating across 18 countries, with major hubs in the US, India, Pakistan, and Argentina.

## Why Work Here
- **Culture**: “Humble, Hungry, Honest” – values include being execution‑obsessed, scrappy, and customer‑led. The company describes itself as fast‑paced and compared to “rabbits” who move with urgency.
- **Remote / Hybrid**: Remote‑first for US employees; hybrid flexibility in India (balance of in‑office collaboration and WFH). Offices in New York and Bangalore.
- **Benefits (US)**:
  - Flexible time off, paid holidays, sick/personal/caregiver leave, parental leave
  - Medical, dental, vision, wellness perks, life insurance
  - 401k with employer match
  - Monthly transport allowance and work‑from‑home stipend
  - Company equity
- **Benefits (India)**:
  - Annual check‑ups, telehealth, mental health support, nutrition counseling, pet care
  - Health, accident, disability, term life insurance
  - Paid vacation and regional holidays, parent leave
  - Hybrid flexibility
- **Engineering culture**: 187 technical employees (14% of workforce); strong talent pipeline from Goldman Sachs, Stripe, Apple, Amazon. Focus on ownership and high‑velocity delivery.

## Sources
1. [onepay.com](https://www.onepay.com/) – Company website
2. [onepay.com/careers](https://www.onepay.com/careers) – Careers page (US and India benefits, culture)
3. [linkedin.com/company/joinonepay](https://www.linkedin.com/company/joinonepay) – LinkedIn profile (funding, headcount, history)
4. [builtin.com/company/one-0](https://builtin.com/company/one-0) – Built In company page (perks, offices, open roles)
5. [onepay.com/help-center/articles/what-is-onepay](https://www.onepay.com/help-center/articles/what-is-onepay) – Product overview and rebranding details

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